Several insurance bills pass in North Dakota

North Dakota Gov. Kelly Armstrong (R) signed several bills impacting dental insurance practices. HB 1481 establishes a minimum dental loss ratio of 75 percent, requiring insurers to spend at least that portion of premium dollars on patient care. If they fall below the threshold, insurers must issue refunds to policyholders. SB 2280 sets time limits for prior authorization decisions, helping reduce administrative delays and allowing patients to receive care more quickly. Additionally, SB 2375 allows dental providers and insurers to enter into voluntary joint negotiations on non-fee-related matters. This change allows for better collaboration on issues like quality standards and administrative efficiency.